2. Minimum wage rates rise

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The minimum wage for workers 25 and over will go up from £7.83 an hour to £8.21 an hour.

21 to 24-year-olds will see their minimum hourly rate rise from £7.38 to £7.70 an hour

18 to 20-year-olds will see a rise from £5.90 an hour to £6.15 an hour

People of school age but under 18 will see their money go up from £4.20 an hour to £4.35

The minimum rate for apprentices is also rising - from £3.70 to £3.90 an hour, as long as they are under 19, in the first year of their current apprenticeship.

3. State pensions rise

The basic State Pension and new State Pension increase by 2.6 per cent from 6 April 2019, a cash increase of £3.25 a week and £4.25 a week respectively.

It means the basic state pension (currently £125.95) will be at least £129.10 a week, an extra £164 a year while the new State Pension (currently £164.35) will be at least £168.45 a week, an extra £213 a year.

4. You have to be older before you get the state pension

The age State Pensions are given out is increasing

From 2019, the State Pension age will rise for both men and women.

By October 2020 you'll need to reach at least 66 before you're eligible with State Pension age rising to 67 between 2026 and 2028.

There will also be reviews every five years after that to look at State Pension age.

5. More money pulled into work pensions

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The minimum contributions for auto-enrolment pension schemes will increase from April 2019 too.

Currently employers have to pay almost everyone 2 per cent of their pre-tax salary into a pension on top of their normal wages - with workers automatically having 3 per cent of their pay deducted and paid into the same pension pot.

Under the new rules that 3 per cent goes up to 5 per cent while bosses will have to stump up 3 per cent of your salary to add to it.

6. How much you can save before it's taxed

(Image: PA)

The lifetime allowance - how much you can save into a pension tax-free - will rise to £1,055,000 for 2019-20.

7. End of help-to-buy ISAs

After 30 November you won’t be able to open a help-to-buy ISA, designed to help people get on the property ladder, although existing ones can still have money added to them.

New savers will still be able to save into a lifetime ISA - although this works rather differently.

8. Payslips for all

From April 6, 2019, the legal right to a payslip will be extended to include non-employees such as contractors and freelancers.

Employers will also be obliged to include the total number of hours worked on payslips.

17. Train prices up

That will add £148 for a season ticket from Brighton to London (from £4,696 to £4,844), £130 for Gloucester to Birmingham (from £4,108 to £4,238), and £100 for Manchester to Liverpool (from £3,152 to £3,252).

18. Millennial railcard comes in

A new 'millennial' railcard for 26-to-30-year-olds will roll out nationally on January 2.

A new digital card will cost you £30, save you a third on all rail fares across the UK - however won't include season tickets.

A minimum fare of £12 will also apply between 4.30am and 10am, in other words, peak time.

To get your hands on one, 26-30s will have to register online at 26-30railcard.co.uk after 2 January, while users will be able to access it on the go through the railcard smartphone app.

19. Better broadband speed guaranteed

On 1 March broadband providers will have to offer a guaranteed minimum speed at the point of sale.

If the speed drops below this level, providers have a month to improve before customers can walk away without penalty.